State RegulationsFL specificDifficulty 2/5
A Florida employee leaves her job and loses her employer's group life coverage. What protection does Florida group life law provide her?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Chapter 627, Florida Statutes, group life coverage includes a conversion privilege: when a member's coverage terminates, she may convert to an individual life policy without evidence of insurability. This protects members who leave the group - perhaps with health issues that would make new underwriting impossible - by letting them continue life coverage on their own.
Why the other options are wrong
- B) The whole point of the conversion privilege is that no new medical underwriting is required.
- C) Group coverage ends when the member leaves the group; the employer does not carry it indefinitely.
- D) Leaving the group gives the member conversion rights, not beneficiary status under the master policy.
Memory hook
Leave the group, keep the coverage: convert without an exam.